IBS Life Insurance

We specialise in helping people who have IBS (irritable bowel syndrome) find life insurance, critical illness insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your IBS, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for people with IBS, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients:

“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at very stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”

“We had difficulty securing adequate life insurance. By contacting Life Insurance Help we have now both got life cover that gives us the peace of mind we were looking for. The people at Life Insurance Help worked so hard to meet our needs, were great to communicate with, and we are both 100% happy with the service we received.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

IBS Support

Besides helping you obtain Life Insurance if you have IBS, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.

IBS : About the Condition

IBS or Irritable Bowel Syndrome is a chronic long term disorder which affects the digestive system, causing abdominal pain, diarrhoea and constipation. IBS is also known as spastic colon, spastic colitis, mucous colitis, nervous diarrhoea, nervous colon, nervous bowel or functional bowel.

According to the NHS, IBS affects around 10-20% of people in the UK at some point in their life, and the condition is twice as common in women as it is in men.

Common symptoms include abdominal pain and cramp (often relieved by emptying your bowel), bloating and swelling of the abdomen, diarrhoea or constipation or both, excessive wind and an urgent need to go to the toilet. These symptoms of IBS can often be worse after eating. In addition, Irritable Bowel Syndrome can also cause lower back pain, muscle or joint pain, nausea, tiredness and headaches. In addition, due to the pain and discomfort, IBS can also lead to feelings of depression and anxiety.

The exact causes of IBS are not known. Research suggests that genetic and environmental factors both play a part, as well as an abnormality with how the muscles move food through the digestive system. IBS is also associated with a malfunction of the immune system, and an unusual response to infection.

Psychological factors can also play an important role in IBS, with changes in emotional states such as stress or depression can often cause a flare up of symptoms.

Changes in diet can help control the symptoms of IBS, and sufferers are encouraged to keep a food diary to see what foods make their symptoms worse. As well as avoiding trigger foods, people with Irritable Bowel Syndrome are often advised to modify the amount of fibre in their diet.

The following dietary advice, in conjunction with advice from your GP, may help control the symptoms of IBS:
- have regular meal and eat slowly
- avoid long gaps between eating
- drink lots of fluid, particularly water
- reduce caffeinated drinks such as tea or coffee
- reduce your intake of alcoholic or fizzy drinks
Do not undertake a exclusion diet where you exclude a particular group of food such as dairy products or meat, without the supervision of a dietician.

Exercise and Probiotics (dietary supplements containing "friendly bacteria") can also help relieve the symptoms of IBS or Irritable Bowel Syndrome.

A variety of medications can also be used to help treat IBS:
- antispasmodic medicines which reduce abdominal pain and cramping
- laxatives for constipation
- antimotility medicines for diarrhoea
- tricyclic antidepressants which although originally designed for depression
are used to reduce the feeling of abdominal pain and cramping.

About Life Insurance for IBS

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.